Hyundai Santa Fe Insurance
(And how to get the lowest premiums)
Written by
Rachel Morey is a journalist specializing in making complicated personal finance and insurance subjects easy to understand. She has been writing professionally for nearly a decade and has projects in print, broadcasting, and online. A native Iowan, Rachel has a special fondness for the open roads of rural America.
You want the right types and amounts of car insurance for your Hyundai Santa Fe, but gathering quotes and doing research can be tedious. An independent agent can help you get quotes from multiple reputable insurance companies. They can even walk you through your auto insurance options.
Not sure where to find an independent insurance agent in your area?
TrustedChoice.com has a find-an-agent tool that can match you with a local independent insurance agent who will walk you through your options and help you find the best possible coverage for your Hyundai Santa Fe.
What Kind of Insurance Do You Need for Your Hyundai Santa Fe?
Bodily injury liability: Bodily injury liability pays medical bills associated with recovery if someone else is hurt in an accident that you cause while driving. It's required in most states, and your agent can help you understand how much of this type of insurance you must purchase.
Property damage liability: Property damage liability is mandatory in most states. This policy covers damage you cause while driving your Santa Fe. You can choose to purchase the minimum amount, but it may be smart to buy extra liability insurance.
Medical payments/Personal injury protection: Medical payments or personal injury protection may be required in your state. With this coverage, you and your passengers will have the bills for necessary medical care paid if you are in a covered accident.
Uninsured motorist coverage: Uninsured and underinsured motorist coverage pays for repairs to your car and medical bills if you are in an accident that's not your fault, and when the other person has inadequate insurance.
Optional Coverage:
Collision: Collision insurance coverage pays to repair or replace your Hyundai if you hit something or are in an accident with another car. This type of coverage isn't right for everyone, so talk with your agent about the pros and cons of including collision coverage on an older Santa Fe.
Comprehensive: If you are in an accident with your Hyundai Santa Fe because you hit an animal in the road or there was falling debris, comprehensive insurance pays to fix or replace your vehicle, minus your deductible.
While both comprehensive and collision insurance policies are optional, your bank or lease company may require you to carry certain amounts of these policies as part of your full coverage auto insurance policy.
Glass coverage: Replacing your windshield could be expensive, but with a zero-deductible glass policy, you can have your glass replaced right away without paying out of pocket for the repair. This add-on policy costs a few dollars extra each month.
Gap insurance:
If you owe more money on your Santa Fe than it's worth, consider purchasing gap insurance. This coverage protects you financially if you are in an accident and your Hyundai is a total loss. Without it, you'd be responsible for paying the difference between the total amount due on the loan or lease and the insurance company's settlement.
What Affects the Cost of Insurance for Your Hyundai Santa Fe?
Annual mileage: Driving your Santa Fe more than 10,000 to 15,000 miles per year could mean you'll pay slightly higher insurance premiums.
Your driving record: If you have a DUI, multiple speeding tickets, or at-fault accidents on your record, you may have to purchase high-risk insurance.
| Average insurance rates for high-risk Santa Fe drivers by age: | |
| 16 | $7,144 |
| 20 | $4,956 |
| 30 | $2,980 |
| 40 | $2,914 |
| 50 | $2,780 |
| 60 | $2,756 |
The value of your vehicle: The trim level and manufacturer's suggested retail price (MSRP) of your Santa Fe affects your insurance rates because more expensive vehicles cost more to fix or replace.
Average Hyundai Santa Fe Insurance Costs
A 40-year-old Hyundai Santa Fe driver pays an average of $5,154 each year for full coverage auto insurance. Liability-only insurance rates drop down to an average of just $438 per year. A high-risk driver pays much higher average rates; $3,006 per year.
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The Safety of Your Hyundai Santa Fe
In general, SUVs that have more safety features cost less to insure. The Hyundai Santa Fe has some key crash prevention technology, crash protection, and anti-theft features that help lower insurance rates.
The Insurance Institute for Highway Safety (IIHS) gave the 2020 Hyundai Santa Fe its highest possible ratings.
How Location Affects Your Hyundai Santa Fe Insurance
Because your location has such a dramatic effect on your car insurance premiums, it's crucial to get a personalized quote from your agent. Here's how average Hyundai Santa Fe full coverage insurance rates for a 40-year-old driver with a good driving record and a $500 deductible vary from one place to the next:
| Los Angeles: | Philadelphia | Indianapolis: |
| $2,373 | $1,854 | $1,180 |
Additional Factors That Affect Your Hyundai Santa Fe Insurance Premiums
- Safety features like anti-theft devices
- Age
- Gender
- Deductible
- Credit
Average Cost to Insure a Hyundai Santa Fe
| Average annual cost to insure a Hyundai Santa Fe with full coverage: | $1,386 |
| Teens: | $5,154 |
| High-risk drivers: | $3,006 |
| High deductibles: | $1,194 |
| Low deductibles: | $1,768 |
| Top three most expensive states for Hyundai Santa Fe insurance: | |
| New York, Louisiana, and Michigan | $1,980 |
| Top three most affordable states for Hyundai Santa Fe insurance: | |
| Iowa, Maine, and Idaho | $980 |
Top Independent Insurance Carriers That Insure the Hyundai Santa Fe
According to a recent US Independent Insurance Agent Satisfaction Study by JD Power, the following companies provide excellent service to their insurance customers:
- Progressive
- Safeco
- Travelers
- Auto-Owners Insurance
Get a Hyundai Santa Fe Quote
An independent insurance agent will walk you through the entire process of finding the best insurance company, ideal policy, and lowest rates. You can find an independent insurance agent in your area by using the TrustedChoice.com find-an-agent tool. Log on to TrustedChoice.com today and get in touch with an agent in your town right away.
IIHS, Consumer Reports, Quote Inspector, iii.org, JD Power, Car and Driver